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Commercial Lines
Core insurance software built for commercial lines carriers
Commercial insurers are writing more business in a tougher market, where competition, regulation, and a tighter talent pool raise the cost of every manual step. OneShield brings policy, billing, claims, rating, and reporting onto a single configurable platform, with AI built into the workflow, so your teams automate the routine, underwrite with better data, and bring new products and channels to market through configuration instead of custom code.
Why commercial insurers choose OneShield
One Platform for Policy, Billing, and Claims
Policy administration, billing, rating, claims, and reporting share a single data model, so information moves in real time with no re-keying between systems. Your underwriting, servicing, and financials work from one source of truth.
Configure Your Products Without Custom Code
More than 90% of changes on OneShield are configuration, not code. Adjust rating, rules, forms, and workflows in OneShield Designer as your commercial appetite evolves, without waiting on a development cycle.
Built for the Complexity of Commercial Lines
Admitted and non-admitted business, primary and excess towers, multi-state filings, account-level management, and out-of-sequence endorsements are supported out of the box across 60+ lines of business.
Automate Underwriting With Better Data
Straight-through processing, configurable referral rules, and authority limits route qualifying submissions automatically and send only the risks that need judgment to an underwriter, with third-party data merged into the workbench.
AI Built Into the Workflow
Summarize and query claim files, serve policyholders around the clock, and deploy insurance-specific AI agents through OneShield AI Hub, which works alongside OneShield Enterprise, OneShield Market Solutions, or any core system you already run.
Vendor-Led Implementation and Support
OneShield leads every implementation directly with deep insurance expertise, no third-party system integrators adding cost or handoffs, backed by 24/7 support that is never outsourced.
Functionality Highlights
OneShield's Policy, Billing, and Claims Administration Solutions provide some unique functionality tailored to the needs of commercial lines insurers. Beyond the core features, here are some key highlights:
Policy
Policy Management
Run commercial policy administration for admitted and non-admitted lines, from submission and underwriting through renewal, on one configurable core system.
Key functionality:
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Support for admitted and non-admitted products
Manage customer data at an account and policy level
Ability to override premiums at the policy, coverage, and rate factor level
Primary and excess coverage and registration for subscriptions and towers
Support full entity management across the policy lifecycle
Endorsement management for policy changes
Country-wide model for product definition and maintenance
Streamlined underwriting and policy issuance
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Billing
Billing and Accounting
Automate insurance billing, payments, and premium accounting with flexible billing options for every commercial line of business.
Key functionality:
Flexible billing options for different lines of business
Integration with accounting systems for accurate financial reporting
Automated invoice generation and premium calculations
Support for taxes, fees, and surcharges including flexible earning methods
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Claims
Claims Management
Streamline commercial claims management from first notice of loss through recovery, with claims automation and automated coverage identification.
Key functionality:
Robust claims handling and tracking
Automated coverage identification based on loss information
360-degree claim summary view
Integration with claims adjusters and medical providers
Assignment administration to internal and external parties through tasks, diaries, and notes
Robust business intelligence capabilities
Fraud detection
Rules-based recovery identification across different types such as salvage, subrogation, reinsurance, and deductibles
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Analytics
Analytics & Reporting
Turn policy, billing, and claims data into real-time insurance analytics and reporting for sharper underwriting and performance decisions.
Key functionality:
Real-time data analytics for risk assessment
Support for informed decision-making and strategy development
Comprehensive reporting for performance analysis
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Customer Engagement
Customer Engagement
Support digital distribution with self-service portals for policyholders, agents, and brokers, plus personalized communication that improves retention.
Key functionality:
Enhance customer relationships with self-service portals
Improve client retention and satisfaction
Personalize communication to policyholders
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Intelligent automation across your commercial operations
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Summarize and Query Claims Documents
Ask questions, generate event timelines, and surface critical details across large commercial claim files. Reduce manual review time while keeping decisions consistent.
Serve Policyholders 24/7 With Omnie
Omnie answers policy, billing, and claims questions around the clock, and routes specialized requests to your underwriting or service teams.
Deploy Custom AI Agents for Your Operations
Design and deploy AI agents built around your commercial workflows, terminology, and rules in OneShield AI Hub. Works alongside OneShield Enterprise, OneShield Market Solutions, or any existing core system.
Client Success
Fireside Chat: Erie Insurance & OneShield discuss digital distribution enablement.
Timothy Shine, Vice President, Commercial Lines Technology Erie Insurance
Frequently Asked Questions
Didn't find the answer you were looking for? Feel free to contact us anytime.
What should a commercial insurer look for in a core insurance platform?
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Commercial lines carriers need a platform that handles complex, multi-line books without a separate system for each product. OneShield runs policy, billing, claims, rating, and reporting on one data model, supports admitted and non-admitted business across 60+ lines, and lets teams configure products, rules, and rating without custom code. OneShield Enterprise is the most configurable option for larger or more complex carriers, and OneShield Market Solutions delivers the same carrier-grade functionality as a managed service.
Can one platform handle both admitted and non-admitted commercial business?
Yes. OneShield supports admitted and non-admitted products on the same platform, including primary and excess coverage, subscription and tower structures, multi-state filings with state-specific rules and forms, and account-level management across the policy lifecycle. Product definitions, rating, and forms are configured in OneShield Designer and version-controlled by jurisdiction.
How does OneShield help commercial insurers automate underwriting?
OneShield automates underwriting through configurable rules, authority limits, and straight-through processing. Qualifying submissions can be quoted, bound, and issued automatically, while risks outside guidelines are referred to an underwriter with third-party data such as credit, prior claims, and property valuation merged into the workbench. Rules are configured, not coded, so underwriting logic keeps pace with your appetite.
Can commercial insurers add AI without replacing their core system?
Yes. OneShield AI Hub is a standalone, insurance-specific AI platform that works alongside OneShield Enterprise, OneShield Market Solutions, or any existing core system. Carriers can use it to summarize and query claim files, automate submission intake, and deploy custom AI agents for underwriting and operations. AI Hub operates under Zero Data Retention agreements with single-tenant deployment.
What is the difference between OneShield Enterprise and OneShield Market Solutions?
Both are carrier-grade core platforms for policy, billing, and claims on a unified data model. OneShield Enterprise is the most configurable option, built for larger or more complex commercial carriers that need deep control over products, rules, and integrations. OneShield Market Solutions delivers carrier-grade functionality as a managed service, with pre-loaded insurance content and all-inclusive subscription pricing, for leaner teams that would rather have it run for them. Commercial insurers usually choose based on operating model and how much they want to configure themselves.
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